FOXANA is smart and saves with pillar 3b – you can too! With just a few clicks to the 3b that fits your goals perfectly. Only with Foxana’s unique comparison service.
Most people save with the 3b in order to have more money in old age. But there are other important aspects that you shouldn’t miss out on.
You can use savings from pillar 3b at any time without any conditions.
There are generally no tax advantages with the 3b.
However, the payout is also tax-free.
Only with pillar 3b can you pay in without an amount limit.
With the right pillar 3b, you’ll make a profit. See how much you can earn through interest over the years.
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Pillar 3a offers tax advantages in that contributions can be deducted from taxable income. However, the use of these funds is subject to strict conditions, e.g. early withdrawal for home ownership or self-employment.
Pillar 3b offers more flexibility in terms of payments and use of the funds. However, you have no tax advantages. The investment options are broader and there are no statutory upper contribution limits. Pillar 3b normally serves as a supplement to pillar 3a.
The pension system can quickly become complicated. You don’t need to know everything, that’s what our experts are here for. Here are three facts to get you started.
Pillar 3b promotes the discipline of saving. By setting an amount and a term to invest in Pillar 3b, you develop a savings routine. This approach helps to build up a solid financial cushion. For your savings goals or unexpected events.
Unlike pillar 3a, with pillar 3b you can withdraw your money for no reason. This is great if you need money quickly, whether for a trip, a car, an emergency expense or as extra money for later when you are no longer working. With insurance solutions, however, it makes financial sense to wait until the end of the contract.
Only with pillar 3b can you choose who gets your money if something happens to you. This is practical because you can plan exactly who should receive how much of your savings. With pillar 3a or the pension fund, the contract already specifies who gets the money in the worst-case scenario.
Pillar 3b is a pension option in Switzerland. It is different from pillar 3a because you don’t just save the money for your pension, but also for other big things that you might need later on. It is also known as unrestricted pension provision because you can decide more freely when and for what you use the money.
Pillar 3b offers you flexibility in how your money is invested – in shares or bonds, for example. You can decide for yourself what to do with your money. If you ever need money for a car, house, education or something unexpected, you can simply access it. This is great for anyone who not only wants to save for their old age, but also has other plans.
Yes, pillar 3b gives you the opportunity to invest in a wide range of investment products, including securities. This offers the chance of higher returns, but also entails corresponding risks.
Pillar 3b payouts are tax-free, provided you comply with the statutory provisions.
Do you have another question that has not been answered above? Then simply get in touch with us! We’ll be happy to help you.
Thanks to the platform, I was able to invest in pillar 3b without any problems. I enjoy the freedom of being able to dispose of my savings without any tax restrictions.The advice I received was excellent and helped me to structure my investments exactly as I wanted.
Investing in Pillar 3b was a smart decision for my financial independence. I found investment opportunities via the platform that allowed me to diversify my portfolio according to my own wishes. The advice was very helpful.
I chose Pillar 3b because I was looking for a pension option without tax advantages that offered me more flexibility. The platform has provided me with the best products and supports me in planning my financial future.
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